| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +8.2% | +3.0% | +5.2 pts |
| Deposit growth (YoY) | +9.4% | +2.5% | +6.9 pts |
| Loan growth (YoY) | +22.1% | +2.6% | +19.5 pts |
| ROA | 0.93% | 0.99% | -0.1 pts |
| ROE | 4.2% | 8.1% | -3.9 pts |
ROA ranks in the 47th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $36.6M | $28.4M | $16.0M | $8.0M | $166K | 0.93% | 3.91% | 0.00% |
| Q1 2026 | $37.0M | $28.9M | $15.6M | $7.9M | $50K | 0.56% | 3.78% | 0.00% |
| Q4 2025 | $34.0M | $25.9M | $16.5M | $7.9M | $338K | 0.99% | 3.63% | 0.00% |
| Q3 2025 | $36.0M | $28.0M | $12.1M | $7.8M | $253K | 0.98% | 3.60% | 0.00% |
| Q2 2025 | $33.8M | $25.9M | $13.1M | $7.7M | $162K | 0.96% | 3.59% | 0.00% |
| Q1 2025 | $34.5M | $26.7M | $12.5M | $7.6M | $95K | 1.13% | 3.65% | 0.00% |
| Q4 2024 | $33.0M | $25.4M | $12.6M | $7.5M | $392K | 1.15% | 3.72% | 0.00% |
| Q3 2024 | $35.6M | $28.0M | $11.6M | $7.5M | $321K | 1.25% | 3.74% | 0.00% |
Loan mix (Q2 2026): real estate $318K · commercial $4.2M · consumer $337K · securities $12.8M
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.93% | 0.99% | 47th | |
Return on equity Annualized net income ÷ equity or net worth | 4.2% | 8.1% | 28th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.91% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 62.9% | 70.8% | 32th |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% |
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
The full ratio pack is part of CharterBench Pro.